HYSA vs IVV
BondBloxx USD High Yield Bond Sector Rotation ETF vs iShares Core S&P 500 ETF
Quick Verdict
IVV has a lower expense ratio. IVV delivered stronger 1-year returns. IVV offers more diversification with 508 holdings.
Side-by-Side Comparison
| Metric | HYSA | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.03% | |
| AUM | $67M | $907.0B | |
| Dividend Yield | 6.78% | 1.10% | |
| Holdings | 5 | 508 | |
| YTD Return | +1.58% | +12.71% | |
| 1Y Return | +4.69% | +21.89% | |
| 3Y Return (annualized) | +7.86% | +22.08% | |
| 5Y Return (annualized) | - | +12.96% | |
| Volatility (annualized) | 4.5% | 15.1% | |
| Max Drawdown | -4.9% | -56.5% | |
| Fund Family | BondBloxx | iShares by BlackRock (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 18, 2023 | May 15, 2000 |
HYSA vs IVV Performance
BondBloxx USD High Yield Bond Sector Rotation ETF (HYSA) is a ETF from BondBloxx and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year HYSA returned +4.69% while IVV returned +21.89%. Year to date, HYSA is up 1.58% versus a gain of 12.71% for IVV.
Over three years, HYSA compounded at +7.86% per year against +22.08% for IVV. Across the full 3-year window we track, HYSA has the edge at +7.86% annualized vs +7.00%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 4.5% for HYSA. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -4.9% for HYSA and -56.5% for IVV. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
HYSA charges 0.55% per year while IVV charges 0.03%. On a $10,000 position that is $55 vs $3 annually, a gap of $52 per year that compounds over a long holding period. On income, HYSA currently yields 6.78% against 1.10% for IVV.
Holdings Overlap
HYSA and IVV share 0 holdings out of 508 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, HYSA or IVV?
HYSA has an expense ratio of 0.55% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $52 per year of difference.
Which performed better, HYSA or IVV?
Over the past year HYSA returned +4.69% vs +21.89% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (3 years), HYSA annualized +7.86% vs +7.00% for IVV. Past performance does not guarantee future results.
Which is riskier, HYSA or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 4.5% for HYSA. Worst drawdown: HYSA -4.9% vs IVV -56.5%.
Should I hold both HYSA and IVV?
HYSA and IVV have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between HYSA and IVV?
HYSA and IVV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 508 unique securities.
Which pays a higher dividend, HYSA or IVV?
HYSA yields 6.78% while IVV yields 1.10%, so HYSA currently pays the higher dividend yield.
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